The Top eCheck Online Casinos in 2024

The Top eCheck Online Casinos in  2024 Header Image

Online casino gaming continues to become more popular and legalized in more states and provinces, so you need to be aware of all the different payment methods available.

Another popular form of online casino payments are eChecks, which are aptly named for the function they serve. You will not have trouble finding online casinos that accept eChecks as a form of digital payment.

What is an eCheck?

An eCheck, or electronic check, is a common digital form of payment in online gaming. Simply put, eChecks send your payment from your bank account into the merchant’s account by using the Automatic Clearing House, known as ACH. Notably, ACH is a payment network used exclusively in the U.S. Depending on your bank’s regulations, you can use your debit or credit card to make ACH payments. 

Payments made through eChecks is not the same as traditional debit or credit card transactions; meaning they do not process payments immediately after they’re made. A notable difference between ACH and online banking is that you are requesting the payment in comparison to the payment being processed by providers like Visa or Mastercard.

Online casinos benefit from ACH payments because they are avoiding high interchange fees, which merchants pay when a customer makes a card payment. These fees are charged for the payment authorization process so the transaction could be completed.

Furthermore, ACH payments use your bank account and routing numbers, which rarely change, so merchants do not have to worry about cards expiring or any other issues that may arise with a card number.

The Best eCheck Casinos

Most major online casinos accept eCheck as a form of payment. Here are some common options:

BetMGM casino logo


Welcome Offer: Get a 100% Deposit Match up to $1000 + $25 on the House! or Get a 100% Deposit Match up to $1000 + $25 on the House!


The BetMGM Casino Bonus Code is one of the best offers around. The platform is also amongst the most robust online casino apps on the market and offers players countless gaming options. No deposit into your PayPal account is required.

Available in: NJ, PA, MI, WV

Borgata casino logo


Welcome Offer: Get up to a $1,000 Deposit Match + $20 in Bet Credits!


Borgata Online Casino is one of the oldest casinos in the country and has one of the biggest slots libraries that you'll find online. This brand is available in Pennsylvania and New Jersey. Sign up with Borgata today and take advantage of their first-time user bonus!

Available in: NJ, PA

Betway logo


As a Malta-based online casino, Betway has entered two U.S. markets (New Jersey and Pennsylvania) with plans to expand their offerings to more states moving forward. No promo code is needed to qualify for a 100% deposit match on up to $1,000!

Available in: NJ, PA

Caesars Palace Online Casino logo

Caesars Palace Online Casino

Welcome Offer: Get a 100% Deposit Match up to $2,500 + 2,500 Rewards Points!

Bonus Code: ACTION22500

With a name like Caesars Online Casino behind it, the online casino is one of the best around.

Available in: NJ, PA, MI

DraftKings logo


Welcome Offer: Play $1 and Get $100 in Casino Credits Instantly + $35 Extra on Deposit!

Bonus Code: Not required

No deposit code is required to take advantage of DraftKings Online Casino's sign-up offer.

Available in: CT, NJ, PA, MI, WV

FanDuel casino logo


Welcome Offer: Deposit $10, Get $20 In Site Credit & Play It Again up to $1000!

Bonus Code: Not required

FanDuel Online Casino is one of the largest sportsbooks in the country and with a backing that includes millions of sportsbook users, it makes sense that FanDuel was able to have a smooth transition into the online casino space.

Available in: NJ, PA, MI, WV

Golden Nugget logo

Golden Nugget

Welcome Offer: Deposit $5 Get $50 in Casino Credits!

Bonus Code: Not required

Although Golden Nugget Online Casino's online casino is only available in three states, it is among one of the most recognized casinos in the U.S. and no promo code is required to take advantage of the offer.

Available in: NJ, PA, MI, WV

SugarHouse casino logo


SugarHouse Online Casino offers a 100% deposit match up to $250 plus $25 on the house. Join Sugarhouse casino today and get $25 free!

Available in: NJ, PA, MI, WV

What You Should Know About VIP Preferred

VIP Preferred is a common eCheck provider with notable differences:

  • Cash or eCheck limit that resets every 7 days (varies)
  • Electronic withdrawal at select casinos, referred to as cash access
  • Funds are removed from your bank account in one business day
  • Withdrawal can take up to 5 days
  • Available at 500+ retail casinos with the addition of notable online casinos
  • Register up to four total accounts
  • Below-average withdrawal fees
  • VIP Mobility app that allows members to pay for their casino games from the comfort of their phones

For your reference, BetMGM, Betway, Borgata, Caesars, DraftKings, Golden Nugget, and Unibet use VIP Preferred eChecks.

Payment authorization times and fees vary across all banks and other payment providers used, so ensure you read and understand the terms and conditions before proceeding.

Should I Use a Debit or Credit Card?

Everyone has their preference, but here’s the difference between using a debit or credit card for eCheck payments or withdrawals.

Debit Cards: Debit eCheck transactions are commonly free and will take between 2-3 days on average.

Credit Cards: Credit eCheck transactions commonly include fees and take 3-5 business days.

Keep in mind that banks may have varying processing times that may differ in both instances mentioned above.

Additionally, ACH processes payments and withdrawals in groups, so if a transaction is sent too late on a given day, it may take a little longer to be completed.

ACH Fees

It’s important to remember that while these payments are safe and efficient, there can be fees involved. Certain credit cards, for example, could have a $2 transfer fee while others allow you to transfer funds for free.

We recommend checking the terms and conditions of using your selected card for an ACH payment.

Make sure to always check your banks’ transfer fees (ACH) and daily limits before selecting one.

Common Apps That Use ACH

To gain more insight into how common ACH is, we’ve listed some common apps that use this process:

  • Apple Cash
  • Cash App
  • PayPal
  • Venmo
  • Zelle

How to Use Checks at an Online Casino

Using eChecks to make your online casino transaction is safe and reliable. We've summarized the steps to help guide you through how to make your online casino deposits.

  1. Sign up at your online casino of choice.
  2. Find the cashier option with your casino and select the eCheck option.
  3. Enter your personal details and information.
  4. Find the routing number (ACH), and account number, and the eCheck number on your eCheck.
  5. Input your eCheck information, which will include the account type, social security number, account, and routing numbers. Pick the amount you want to deposit and make sure to include any bonus code or other information the online casino needs.
  6. Hit the deposit button and then start gaming!

How to Request a Check Withdrawal

There are online casinos that offer withdrawals in check form. There are three easy steps to get back your hard-earned money.

  1. Once it's time to withdraw money, choose "check by courier" and pick the amount of money you want.
  2. You'll have to wait a bit for the paper check to come in by mail.
  3. The check is here! Now it's time to deposit it. Deposit the check into your account and enjoy your winnings!

Wire Transfers as a Payment Method

Wire transfers, on the other hand, are known for processing payments within the same day so they are a better choice if you are on a time constraint. One major difference, however, are the processing costs associated with wiring money domestically or internationally. Wire transfers are quicker on average and can handle a larger amount of money but will have higher costs to send or receive them.  

Casino Deposit & Payment Method Resources

Before you embark on your online casino gaming journey, be sure to check out our additional resources regarding casino deposit and payment methods.

Online casino gaming is currently legal in MichiganNew JerseyPennsylvaniaWest Virginia, Connecticut and Delaware. For more legal information regarding your state, take a look at our online casino legalization tracker.

eCheck Online Casinos FAQ
Commonly asked questions about online casinos that accept eChecks.
What is an eCheck?

An eCheck, or electronic check, is the digital version of a traditional check used to deposit and withdraw funds. Online casinos that accept eChecks allow users to add or withdraw funds from their accounts without having to use other options like PayPal, Skrill, and prepaid cards.

What online casinos use eCheck?

eCheck is a common option that online casinos offer. Here are our top online casinos that offer eCheck deposit and withdrawals:

  • BetMGM 
  • Betway
  • Borgata
  • Caesars
  • DraftKings
  • FanDuel
  • Golden Nugget
  • Unibet
What are instant eChecks?

Instant eChecks are withdrawals that are fully processed between 30 minutes or 24 hours. Keep in mind that if you choose the instant eCheck option, you will be charged about $4.99, which is usually between 1.99%-2.99% of the transfer. 

How do I get cash from an eCheck?

You can receive cash from an eCheck through several options:

  • ATMs 
  • Participating banks
  • Local check-cashing locations

Keep in mind that not all ATMs, banks, and check-cashing locations may accept eChecks.

What do you need to send or receive an eCheck?

In order for eChecks to properly process deposits and withdrawals, you need to add your checking account and routing numbers to your account. This information is often found in your checking account details and is always needed to send or receive money electronically.